Panhandle Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

panhandlecu.org

850-769-3306

2718 Martin Luther King Jr Blvd
Panama City, FL 32405

Panhandle Credit Union is headquartered in Panama City and is the 43^rd largest credit union in the state of Florida. It is also the 976^th largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 75 employees and 15,928 members at 7 locations. Panhandle Credit Union's money market rates are 7X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Panhandle Credit Union membership is open to those who live, work, worship, or attend school in the Florida counties of Bay, Calhoun, Gulf, Holmes, Jackson, Walton, or Washington. Family members of a current Panhandle Credit Union member are also eligible to join.
See current membership details

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68720
Year Chartered	1957
Employees	75
Primary Regulator

Profit Margin
Return on Assets - YTD	0.68%
Return on Equity - YTD	5.35%
Annual Interest Income	$3.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$333.2MM$314.6MM
Loans	Q1 2025vs Q1 2024	$196.3MM$190.8MM
Deposits	Q1 2025vs Q1 2024	$288.9MM$272.9MM
Equity Capital	Q1 2025vs Q1 2024	$42.2MM$38.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.1MM$2.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$697K$573K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Panhandle Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
10.00%^*	$5	$1k	Rising Tide Youth Share
OTHER TIERS: 0.05% → $1k+
0.05%	$100	-	Savings Shares
0.05%	$0	-	Holiday Club

Panhandle Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%^*	$250k^*	-	Money Market Account
OTHER TIERS: 0.50% → $1k - $10k \| 0.75% → $10k - $25k \| 1.00% → $25k - $50k \| 1.25% → $50k - $100k \| 1.50% → $100k - $250k

Panhandle Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.85%	$1k	-	6 Month CD
3.60%	$1k	-	12 Month CD
3.50%	$1k	-	90 Day CD
3.00%	$1k	-	24 Month CD
3.00%	$1k	-	36 Month CD
2.65%	$1k	-	48 Month CD
2.50%	$1k	-	60 Month CD

Panhandle Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.85%	$50	-	6 Month IRA
3.60%	$50	-	12 Month IRA
3.50%	$50	-	90 Day IRA
3.00%	$50	-	24 Month IRA
3.00%	$50	-	36 Month IRA
2.65%	$50	-	48 Month IRA
2.50%	$50	-	60 Month IRA
1.00%	$0	-	IRA Accumulation

Locations

Panhandle Credit Union Locations
Branch Office	8008 Highway 77	Southport, FL 32409
Branch Office	2718 Martin Luther King Jr Blvd	Panama City, FL 32405-4408
Branch Office	1100 School Ave	Panama City, FL 32401-5040
Branch Office	301 N Richard Jackson Blvd	Panama City Beach, FL 32407-3680
Branch Office	1912 S Highway 77	Lynn Haven, FL 32444
Branch Office	4295 N Highway 231	Panama City, FL 32404-9749
Branch Office	2724 Martin Luther King Jr Blvd	Panama City, FL 32405

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